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The following article was published in our article directory on January 4, 2014.
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Speed-Up Debt Removal With Debt Settlement Letters

Article Category: Finances

Author Name: Richard Baker

A debt settlement letter is an essential part of any settlement agreement. These letters will document any arrangements you may have negotiated with your creditors regarding settlement of your debts. Since these negotiations are generally conducted verbally you will need to have some sort of written contract which spells out the terms and agreements that you have reached with your creditors.

You can begin your negotiations for debt settlement by sending your creditors a preliminary debt settlement letter in which you will make an opening offer as to how much you can afford to pay to settle your debts. You should also include a request that any late payment fees or other penalties be deleted once the settlement amount has been accepted and paid, and that the account will be reported as being paid in full.

If you have trouble paying your debts as a result of losing your job or suffering unexpected hardships (i.e., high medical bills resulting from emergency hospital stays); you should include a hardship letter that justifies why you can no longer afford to pay your debts; as well as stressing that a settlement is the only alternative to a default. You can fax your debt settlement letter along with the hardship letter to your creditor and wait for a response.

Once your creditor gets in touch with you and indicates that they are willing to negotiate, then start talking with them. They will probably try to get you to pay a higher amount on your outstanding debt and may even try to intimidate you. Don't be intimidated by them; instead, stay calm and remain in control of the bargaining. Don't hesitate to drive a hard bargain and eventually you will come to an agreement.

Once you have agreed to a deal, ask the creditor to send you a debt settlement letter that should include the following details:
1) The date the letter was drafted.
2) The name of the creditor.
3) Your name and account number.
4) The unpaid balance and the amount that is being accepted to settle the debt.
5) If you are settling the account over a certain period of time - get an outline of the payment schedule and the terms & conditions that need to be met in order to fulfill the settlement agreement.
6) A statement that the account is deemed paid in full, once the terms of the agreement has been fulfilled.

It is also very important that the letter be on official stationary or the letterhead of the creditor. The debt settlement letter can be sent through the regular snail mail or you can ask for it to be faxed to you. If you don't have a fax machine you can set up a virtual fax account for a nominal fee that will allow faxes to be sent to you as email attachments, or you can download it from their site.

If you do not receive a debt settlement letter, then you should not make any payments. In this case, you should be prepared to walk away, since you have no assurance that any agreement you reached will be verbally accepted by the creditor.

You can also delete your debts quickly - without a settlement - with the help of Lexington Law credit repair specialists. They can size-up your circumstance (for free) and show you the set of laws that can quickly delete your debts. Call toll free: 1-877-679-3877

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